Is money deducted with UPI error U87?

Possibly. The final status wasn't confirmed when this code was raised. Check your statement before paying again. If the payment ends as failed, the money is due back by T+1 for a transfer to a person, or T+5 for a payment to a merchant. Don't pay a second time until the status is final.

UPI error codes / U87

UPI response code

UPI error U87: Read timeout in debit request

Official NPCI descriptionREAD TIMEOUT IN REQPAY DEBIT TECHNICAL

Raised by: NPCI UPI switch. Source: NPCI, UPI Error and Response Codes v2.9, section 4.4, errors from the UPI service layer.

What it means

NPCI's switch sent the debit request to the payer's bank but timed out reading the answer. The debit may or may not have happened.

Was money deducted?

Possibly. The final status wasn't confirmed when this code was raised. Check your statement before paying again.

When does the money come back?

If the payment ends as failed, the money is due back by T+1 for a transfer to a person, or T+5 for a payment to a merchant. Don't pay a second time until the status is final.

Which side caused it?

NPCI's UPI switch.

Type of decline

Technical: a system didn't respond or failed.

If money left your account. Under RBI's turnaround-time rules (circular DPSS.CO.PD No.629/02.01.014/2019-20, 20 September 2019), if your account is debited but the payment fails, the money must come back by the next working day (T+1) for a transfer to a person, or within T+5 days for a payment to a merchant. After that the bank owes you ₹100 for every day of delay.

What you should do

Check your statement before paying again. If you were debited and the payment failed, the money will be reversed.

If you are a merchant, bank or PSP

Debit status unknown. Check status before retrying, never just resend.

UPI error U87 kya hai?

U87 ka matlab hai debit request ke jawab mein timeout hua; statement check karein.

If it still isn't sorted

Raise a complaint inside your UPI app. Every UPI app has a help or dispute option on the transaction, and it goes into NPCI's online dispute system. Keep the UPI transaction ID or RRN handy.
If the app doesn't resolve it, contact your bank's grievance desk with the same reference.
If your bank hasn't replied within 30 days, or you're not happy with the reply, complain to the RBI Ombudsman at cms.rbi.org.in. It's free.

Technical or business decline?

NPCI splits declines into two kinds. A technical decline means a system didn't respond or failed: a bank offline, a timeout, a switch error. A business decline means the systems worked and said no, for a reason about the account or the payment: wrong PIN, not enough money, a limit, a risk check. Retrying helps with some technical declines and almost never with business ones.

See all 216 UPI error codes →